Category Archives: General

How to help your parents get 2x FD returns from their savings

Have you been in a scenario where a retired/non-working elderly parents/relatives always hunt for the best fixed deposit deals from banks to park their retirement money? They are usually very risk-averse and won’t dabble into any form of real investing, or had bad prior experience in investing. So the safest money instrument they trust is…

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How to ‘use’ your parents to get more money back from the right tax relief

In this month’s episode, I answered the questions:   What is the evidence required to claim the 3,000 parental tax relief from 2016 to 2020…(remember, you don’t want to mess with IRB if you don’t have the proper documentation) Why most people fail to maximize parents-related tax relief worth RM 8,000 every year within IRB…

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A 92 y.o. was ‘slaughtered’ by an insurance agent 30 years ago; daughter helpless

Before all these money scams / pyramid schemes became popular, one of the common methods to save & invest for long term is via insurance savings plan (aka endowment plan) But there are ‘more than meets the eyes’ for these endowment plans. People who had a bad experience buying/holding these plans called these as insurance…

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The lies you’ve been told about value investing practised by Warren Buffett

The “conventional wisdom” has always been that Warren Buffett’s success can be explained by his stock-picking skills and his discipline. And that lead people to adopt his stock picking strategy aka ‘value investing’. But how well does Value Investing work today? In a 2013 study” Buffett’s Alpha,” authored by Andrea Frazzini, David Kabiller and Lasse…

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Copy & Paste this Framework to Construct your Financial Roadmap

People always asked “how do I know if I can sustain my lifestyle until my twillight years with what I already have?” In other words, they are looking to quit or slow down in their career/business, but before they make that decision, they want some certainty that they won’t run out of money before running out…

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Webinar Recording: Shortcut to getting world class investment returns

Profitable + consistent annual returns in long term investing doesn’t have to be a scary, frustrating experience. This is your ultimate shortcut to getting world class investment returns, matching even Warren Buffett’s annual returns from 1996 to 2016. No fundamental or technical analysis required. No complex instruments. Only rudimentary investing knowledge required. Feeling disbelief? You…

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Private Equity Investment Update – case studies

Back in Oct 2015, I did a webinar with KCLau (recording way below this page), educating the public about the legitimate form of private equity investment in Malaysia. These are the type of investment normally only available to you if you are a private/premier banking clients and/or an accredited investor. You may ask – ‘what…

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EPF-approved funds with foreign exposure: Complete performance comparison table

Updated 20 Jan 2017 This table is computing the total returns up to end 2015 if you were to invest RM 50k into the list of EPF-approved unit trust funds with foreign exposure, starting Jan 2011. The top funds would have doubled your initial capital after 5 years. This table will be updated by Jan…

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[Case study] Is it still worthwhile to buy medical card when you are older?

Considering the cost of current medical procedures now and future medical inflation, is it more worthwhile to either self-insure myself or buy a medical card? I got asked the questions above by a new client recently for consultation which I charged a fee. She is in her mid 40’s, retired early from a senior technical…

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Medical cost & claim amount in Malaysia (2014-2015)

When we buy and maintain a medical card, we must know the estimated costs of common medical procedures in private hospitals. It could vary from one hospital to another. The specific type of illness affecting you and its complications could also vary – hence, the costs too, vary. This is to give you an indicative…

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